Buying your next home?
See our home loan tools, articles and resources to help you explore your home loan options. We'll help you get to a good place.
Buying your next home?
See our home loan tools, articles and resources to help you explore your home loan options. We'll help you get to a good place.
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Stamp duty can be one of those unexpected costs of buying a property in Australia. Use our stamp duty calculator to estimate how much your upfront stamp duty costs could be. To make this easier, we've factored in the stamp duty rules that may apply to your location. Jump on it now.
Give us your details and we'll be in touch between 1-3 business days.
Not sure? Check eligibility for the First Home Owner Grant (FHOG) or First Home Buyer Duty ConcessionsSuperscript: 1
Your estimated upfront costs
Transfer of Land / Stamp Duty | $- |
---|---|
Concessions | – $- |
Other government costs | + $- |
Conveyancing | + $- |
Bank charges | + $- |
LMI | + $- |
Your estimated deposit
How much you have now | $- |
---|---|
First Home Owner GrantSuperscript: 1 | + $- |
Total estimated upfront costs | – $- |
Assumptions:
Our repayments calculator can help you understand how much your potential repayments could be.
Contact an ANZ home loan specialist to find out more about your options.
Quick Start your home loan application online in 5 minutes. Apply now.
Use our savings calculator to help you plan to save a bigger deposit.
A guarantorSuperscript: 2 could be an option for people who don’t have enough deposit and want to reduce their LVR below 80%Superscript: 3to avoid the cost of LMI.
Contact an ANZ home loan specialist to find out more about your options.
Use our savings calculator to help you plan to save a bigger deposit.
Contact an ANZ home loan specialist on what to do next.
Consider looking at properties in a lower price range.
Use our savings calculator to help you plan to save a bigger deposit.
A guarantorSuperscript: 2 could be an option for people who don’t have enough deposit and want to reduce their LVR below 80%Superscript: 3to avoid the cost of LMI.
Contact an ANZ home loan specialist to find out more about your options.
Quick Start your home loan application online in 5 minutes. Apply now.
Use our savings calculator to help you plan to save a bigger deposit.
Contact an ANZ home loan specialist to find out more about your options.
A guarantorSuperscript: 2 could be an option for people who don’t have enough deposit and want to reduce their LVR below 80%Superscript: 3 to avoid the cost of LMI.
Consider looking at properties in a lower price range.
Use our savings calculator to help you plan to save a bigger deposit.
Contact an ANZ home loan specialist to find out more about your options.
Consider looking at properties in a lower price range.
Use our savings calculator to help you plan to save a bigger deposit.
A guarantorSuperscript: 2 could be an option for people who don’t have enough deposit and want to reduce their LVR below 80%Superscript: 3 to avoid the cost of LMI.
Contact an ANZ home loan specialist to find out more about your options.
Quick Start your home loan application online in 5 minutes. Apply now.
Use our savings calculator to help you plan to save a bigger deposit.
Contact an ANZ home loan specialist to find out more about your options.
Consider looking at properties in a lower price range.
Use our savings calculator to help you plan to save a bigger deposit.
Contact an ANZ home loan specialist to find out more about your options.
Consider looking at properties in a lower price range.
Use our savings calculator to help you plan to save a bigger deposit.
Contact an ANZ home loan specialist to find out more about your options.
Consider looking at properties in a lower price range.
Use our savings calculator to help you plan to save a bigger deposit.
Contact an ANZ home loan specialist to find out more about your options.
Consider looking at properties in a lower price range.
The information on this page does not apply to ANZ Plus products
Provide us with your details and one of our home loan specialists will get in touch. They can discuss issues including:
As well as any other home loan queries you may have.
Call back time is 1-3 business days.
Begin your home loan application journey by providing details about:
One of our home loan specialists will then be in touch to progress with your application.
Call back time is 1-3 business days.
You generally have to pay stamp duty upfront on settlement of a property, although payment requirements differ from state to state.
Usually, you can pay the stamp duty by direct deposit, bank transfer, cheque or credit card. The conveyancer or lender may help organise the stamp duty transaction on your behalf, however you will need to check this.
Stamp duty or land transfer duty is the tax that you pay when buying a property. In some states or territories, it may be referred to as 'conveyancing duty', 'transfer of land duty', 'property transfer duty' or 'transfer duty'.
Generally, when buying land in any state or territory in Australia, which may include buildings (such as a family home on a suburban block), you will need to pay stamp duty to the relevant state or territory government. The amount of stamp duty depends on which state or territory the property is in and the property value.
The exact amount payable depends on a number of factors, including the location of the property and whether you're eligible for any concessions or exemptions. Depending on where you buy and the value of the property, stamp duty could add a significant sum to the cost of the property.
Stamp duty is generally based on the market value or purchase price of the property, whichever is greater. Generally, the cheaper the property, the less stamp duty you’ll pay but there are other variables that could impact your stamp duty bill.
In some states and territories, stamp duty exemptions and concessions may be available for eligible first home buyers, seniors and pensioners. There might also be concessions based on the value of the property purchased or the buyer’s annual income.
In some cases, there are exemptions and concessions for stamp duty on your first home. However, each state and territory has its own rules and property purchase price thresholds may apply.
In some states and territories, you may be able to save on off the plan stamp duty because you’re buying a new property before it’s actually been constructed. This can vary depending on which state or territory the property is in, whether you’re purchasing a home or an investment property, and your particular contract.
When you’re building a new house, you pay stamp duty based on the value of the land you buy. You generally don’t have to pay stamp duty on the house you then build, although you should check with your solicitor or conveyancer as to whether this is the case.
Check with your solicitor or conveyancer about your stamp duty and whether you’re eligible for a stamp duty exemption or concession.
The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any product.
All applications for credit are subject to ANZ credit approval criteria. Product terms and conditions are available on application.
1. We've included the First Home Buyer or other property concessions based on the information you have provided regarding your property purchase and on the assumption that you will be eligible for the concession. For information regarding the concessions which may be available in your state and details of the eligibility criteria, please refer to the relevant government website.
Return2. An ANZ Security Guarantee could help reduce your LVR to less than 80% and save you from having to pay LMI if you have a guarantor who agrees to accept the risks and obligations associated with entering into a guarantee. It is important to remember that if for some reason you default on your loan, ANZ can seek to recover from your guarantor.
Return3. The maximum acceptable LVR before Lenders Mortgage Insurance is required depends on the type and location of the purchased property. The maximum LVR before Lenders Mortgage Insurance that is generally required is usually 80%. For some property types, LMI might be required when LVR is less than 80%.
Return4. ANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.
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